My grandson who has just passed his test wants a ZR and I am looking out for one , I need advice on which model and general things to look out for . He will need to consider insurance as it will be his first car , he has £2000 to spend is this realistic and what age should he be looking at . Any tips greatly appreciated .
davidjones24
best bet
what i done was i bought a rover 25 for 1000 pounds and bought a mg zr bodykit for 200, fitted it myself and you can not tell the diffrence except for it will cost half as much on the insurence ! just an idear ! as when i passed my test i wanted a mg zr also but it was hard to get insurence then when they would the cheapest was 1600 so i bought a 25 done it up and to insure that it was 400 and i have recently bought a mg and its no faster then my 25 just better inside but you can get a full leather inside for 200 on ebay !! anyway just an idear!! hope he passes ok ! and they are a perfect first car ! and go for a 1.6
what i done was i bought a rover 25 for 1000 pounds and bought a mg zr bodykit for 200, fitted it myself and you can not tell the diffrence except for it will cost half as much on the insurence ! just an idear ! as when i passed my test i wanted a mg zr also but it was hard to get insurence then when they would the cheapest was 1600 so i bought a 25 done it up and to insure that it was 400 and i have recently bought a mg and its no faster then my 25 just better inside but you can get a full leather inside for 200 on ebay !! anyway just an idear!! hope he passes ok ! and they are a perfect first car ! and go for a 1.6
Hi David,
Just thought id let you know that when your grandson is searching for insurance quotes ask him to ask "is there a young drivers excess on policy" aswell as voluntary excess because some insurance companies put a young drivers excess on their policy.
Tesco is one of them, my excess is 550pound .... but i only realise that 300 excess is voluntery and they put another 250 GBP for young driver excess, so phoned them and queried this .... and its because im under 25yrs old, and most insurance companies do this .... Thats why most young drivers (which is wrong) drive round with no insurance, but then new drivers get punished because of this when their car insurance premium is sky high.
Just thought id let you know that when your grandson is searching for insurance quotes ask him to ask "is there a young drivers excess on policy" aswell as voluntary excess because some insurance companies put a young drivers excess on their policy.
Tesco is one of them, my excess is 550pound .... but i only realise that 300 excess is voluntery and they put another 250 GBP for young driver excess, so phoned them and queried this .... and its because im under 25yrs old, and most insurance companies do this .... Thats why most young drivers (which is wrong) drive round with no insurance, but then new drivers get punished because of this when their car insurance premium is sky high.
With a budget of £2k your gonna struggle to find a zr for that price, you'll be looking at a poverty spec 51 plate with high mileage or a damaged repaired.
Buying a rover25 and modding it into a ZR wont be an option as the insurance will really cripple him then, thats if he could get insured.
Buying a rover25 and modding it into a ZR wont be an option as the insurance will really cripple him then, thats if he could get insured.
I was 19 and had a 1.4 rover 25 impression with standard alloys and it cost me £105 per month to get third party fire & theft. Not cheap at all. This was with directline. Ensleigh (dont know webby address) are supposed to be resonable with rover/MG's/young drivers, try them.
Still, I cannot see a the MG being a hell of a lot more then that tbh.
As for a mg zr at £2000 i agree with dan, it will have to be fairly high milage or accident repaired. If you are carefull an accident repair isnt that bad as there are plenty non registered one that have had cosmetic damage. Just do your homework on it.
Still, I cannot see a the MG being a hell of a lot more then that tbh.
As for a mg zr at £2000 i agree with dan, it will have to be fairly high milage or accident repaired. If you are carefull an accident repair isnt that bad as there are plenty non registered one that have had cosmetic damage. Just do your homework on it.
My advice would be for the youngster to be patient.
Get a basic Rover Metro or similar bottom group Insurance car and live with that for at least a year. Earn a reasonable NO CLAIMS discount. Most youngsters WILL have a bump soon after passing their test ~ forty odd years ago I was no exception ~ and if they are both patient and competent behind the wheel for that first year or two, the benefits will pay off greatly and not just in reduced Insurance Premiums.
.
Get a basic Rover Metro or similar bottom group Insurance car and live with that for at least a year. Earn a reasonable NO CLAIMS discount. Most youngsters WILL have a bump soon after passing their test ~ forty odd years ago I was no exception ~ and if they are both patient and competent behind the wheel for that first year or two, the benefits will pay off greatly and not just in reduced Insurance Premiums.
.
If you go on someones insurance and they are the main driver then the insurance company expect that you as the named driver will only use the car occasionally that's why they are the main driver. If the car is involved in a crash and the insurance inspect it or the police, they will possibly ask questions if the car is modded to the hilt blue lights/tints etc etc and it is insured by a 55 year old. It is a big risk and if caught you could be paying for the rest of your life. The same if you buy a bog standard 25 and turn it into a ZR and keep quiet. All fine till you hit someone and then questions are asked. They do check I know from experience.
Dan im in the same boat as you m8 i pay 2.4k for mine an im 20 in two weeks but my insurance is (touch wood) going to half next year when im 21.
Got ZR mk2 04
if you loved your car that much an really wanted to keep it you would work hard for the money to run it an insure it like the rest of us lot do! because there is no other legal way round it!
Got ZR mk2 04
if you loved your car that much an really wanted to keep it you would work hard for the money to run it an insure it like the rest of us lot do! because there is no other legal way round it!
I work in car insurance guy for a living at what the majority of people are saying is correct. I speak to maybe 3-5 people a day who have 'fronted risk' policies.
Mum or Dad insure the car, even put the car in their name. We can always tell as insurer's for example - dad a a VW Passat TDI, he aint gonna go and by am MGZR for a spare car that his son might be 'allowed' to use 'occasionally'.
It is because of people ripping off insurers that the honest people out there have to pay extortionate prices to be road legal. im 20, and have my rover 25 tpft with all the mods declared. If you write off a car which you have under anybody's else's name (fronted risk), then the insurer's can check with the police, dvla, vosa, and also get fraud departments to look into it.
Ive heard or major insurer's taking people to court after major accidents. Persons going to court and jail! If you get randomly spot checked by the police and they call the insurer and the car is modified and not declared you have have the vehicle impounded as it is not insured technically. Points on your license, being banned etc.
As dan said, its nothing to be proud of. It is illegal and if you cant afford the insurance dont drive, i didnt start learning till i was 19 and had a proper job to be able to pay for insurance.
Also for people who think they are building up no claims when they are on mum n dad's insurance . . . you're not. Its called 'named driver' no claims, usually specific to that company so if you want to use it you have to take insurance out with that same company.
Adam
Mum or Dad insure the car, even put the car in their name. We can always tell as insurer's for example - dad a a VW Passat TDI, he aint gonna go and by am MGZR for a spare car that his son might be 'allowed' to use 'occasionally'.
It is because of people ripping off insurers that the honest people out there have to pay extortionate prices to be road legal. im 20, and have my rover 25 tpft with all the mods declared. If you write off a car which you have under anybody's else's name (fronted risk), then the insurer's can check with the police, dvla, vosa, and also get fraud departments to look into it.
Ive heard or major insurer's taking people to court after major accidents. Persons going to court and jail! If you get randomly spot checked by the police and they call the insurer and the car is modified and not declared you have have the vehicle impounded as it is not insured technically. Points on your license, being banned etc.
As dan said, its nothing to be proud of. It is illegal and if you cant afford the insurance dont drive, i didnt start learning till i was 19 and had a proper job to be able to pay for insurance.
Also for people who think they are building up no claims when they are on mum n dad's insurance . . . you're not. Its called 'named driver' no claims, usually specific to that company so if you want to use it you have to take insurance out with that same company.
Adam
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